{"id":4167,"date":"2017-10-24T09:05:25","date_gmt":"2017-10-24T17:05:25","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4167"},"modified":"2023-03-13T16:06:03","modified_gmt":"2023-03-14T00:06:03","slug":"bank_fails","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/bank_fails\/","title":{"rendered":"\u91d1\u878d\u6a5f\u95a2\u304c\u00a0\u3064\u3076\u308c\u305f\u3089\u30fb\u30fb\u30fb\uff1f"},"content":{"rendered":"<p>\u9280\u884c\u304c\u3064\u3076\u308c\u305f\u3089\u3001\u9810\u3051\u3066\u3044\u305f\u304a\u91d1\u306f\uff1f\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3092\u8cb7\u3063\u305f\u91d1\u878d\u6a5f\u95a2\u304c\u3064\u3076\u308c\u305f\u3089\u3001\u3069\u3046\u306a\u308b\uff1f\u30a2\u30e1\u30ea\u30ab\u306b\u3042\u308b\u7a0b\u5ea6\u4f4f\u3093\u3067\u3044\u3089\u3063\u3057\u3083\u308b\u65b9\u306f\u3001FDIC\u3068\u304bSIPC\u3068\u3044\u3046\u540d\u524d\u3092\u805e\u3044\u305f\u3053\u3068\u304c\u304a\u3042\u308a\u3067\u3057\u3087\u3046\u3002\u91d1\u878d\u6a5f\u95a2\u304c\u8ca1\u653f\u96e3\u306b\u9665\u3063\u3066\u5b58\u7d9a\u304c\u5371\u3046\u304f\u306a\u3063\u305f\u5834\u5408\u306b\u3001\u3069\u3061\u3089\u3082\u6d88\u8cbb\u8005\u306e\u304a\u91d1\u3092\u4fdd\u8b77\u3057\u3066\u304f\u308c\u308b\u56e3\u4f53\u3067\u3059\u3002\u4eca\u65e5\u306f\u3053\u306e\u304a\u8a71\u3002\u9055\u3044\u3092\u5b66\u3093\u3067\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<h1>\u9280\u884c\u9810\u91d1\u3092\u5b88\u3063\u3066\u304f\u308c\u308bFDIC<\/h1>\n<p>The Federal Deposit Insurance Corporation (FDIC)\u306f\u3001\u7834\u305f\u3093\u3057\u305f\u9280\u884c\u306e\u53e3\u5ea7\u306b\u3042\u308b\u304a\u91d1\u3092\u9810\u91d1\u8005\u306b\u5bfe\u3057\u3066\u4fdd\u8a3c\u3059\u308b\u56e3\u4f53\u3067\u3059\u3002FDIC\u304c\u767a\u8db3\u3059\u308b\u524d\u306f\u3001\u9280\u884c\u304c\u7834\u305f\u3093\u3059\u308b\u3068\u3001\u9810\u3051\u3066\u3044\u304f\u304a\u91d1\u306f\u65e9\u3044\u8005\u52dd\u3061\u3067\u9810\u91d1\u8005\u306b\u632f\u308a\u5206\u3051\u3089\u308c\u308b\u305f\u3081\u3001\u91d1\u878d\u6a5f\u95a2\u306e\u524d\u306b\u9577\u86c7\u306e\u5217\u304c\u3067\u304d\u307e\u3057\u305f\u3002\u73fe\u5728\u3067\u306f\u3001FDIC\u306e\u304a\u304b\u3052\u3067\u3001\u4e07\u304c\u4e00\u306e\u7834\u305f\u3093\u306e\u5834\u5408\u306b\u3082\u9650\u5ea6\u984d\u306f\u3067\u306f\u4fdd\u8a3c\u3055\u308c\u308b\u3053\u3068\u3067\u9810\u91d1\u8005\u306f\u30d1\u30cb\u30c3\u30af\u306b\u306a\u3089\u305a\u5b89\u5fc3\u3057\u3066\u3044\u3089\u308c\u307e\u3059\u3002FDIC\u306e\u30e1\u30f3\u30d0\u30fc\u9280\u884c\u306b\u3042\u308b\u53e3\u5ea7\u3067\u3042\u308c\u3070\u3001\u4e00\u4eba\u306b\u3064\u304d$250,000\u307e\u3067\u306e\u9810\u91d1\uff08\u5143\u672c\u3068\u5229\u5b50\uff09\u304c\u4fdd\u8a3c\u3055\u308c\u307e\u3059\u3002\u3054\u81ea\u5206\u306e\u9280\u884c\u304cFDIC\u306e\u30e1\u30f3\u30d0\u30fc\u304b\u3069\u3046\u304b\u306f<a target=\"_blank\" href=\"https:\/\/banks.data.fdic.gov\/bankfind-suite\/bankfind\" >\u3053\u3061\u3089\u3067\u30c1\u30a7\u30c3\u30af\u3067\u304d\u307e\u3059<\/a>\u3002<\/p>\n<p>\u30ab\u30d0\u30fc\u3055\u308c\u308b\u53e3\u5ea7<\/p>\n<ul>\n<li>\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7<\/li>\n<li>\u30bb\u30fc\u30d3\u30f3\u30b0\u53e3\u5ea7<\/li>\n<li>\u30de\u30cd\u30fc\u30de\u30fc\u30b1\u30c3\u30c8\u53e3\u5ea7<\/li>\n<li>\uff23\uff24<\/li>\n<li>\u30c8\u30e9\u30b9\u30c8\u53e3\u5ea7<\/li>\n<\/ul>\n<p>\u30ab\u30d0\u30fc\u3055\u308c\u306a\u3044\u3082\u306e<\/p>\n<ul>\n<li>\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9<\/li>\n<li>\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3<\/li>\n<li>\u682a\u5f0f\u3001\u50b5\u5238\u306a\u3069\u306e\u6295\u8cc7\u5a92\u4f53<\/li>\n<\/ul>\n<p>\u4e00\u3064\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u3064\u304d\u3001\u4e00\u53e3\u5ea7\u306b\u3064\u304d\u3001$250,000\u306e\u4fdd\u8a3c\u3067\u3059\u304c\u3001\u592b\u5a66\u306f\u4e00\u4eba\u305a\u3064\u5225\u53e3\u5ea7\u3068\u6570\u3048\u3089\u308c\u3001\u305d\u306e\u3046\u3048\u30b8\u30e7\u30a4\u30f3\u30c8\u53e3\u5ea7\u306f\u3055\u3089\u306b\u5225\u53e3\u5ea7\u3068\u6570\u3048\u3089\u308c\u3001\u4fdd\u8a3c\u984d\u306f$250,000\u304c\u4e8c\u4eba\u5206\u3068\u306a\u308a$500,000\u307e\u3067\u3068\u306a\u308a\u307e\u3059\u3002\u3088\u3063\u3066\u540c\u3058\u91d1\u878d\u6a5f\u95a2\u3067\u3082\u3001\u3053\u308c\u3089\u3092\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3067\u592b\u5a66\u306a\u3089$1\u30df\u30ea\u30aa\u30f3\u307e\u3067\u306e\u73fe\u91d1\u306e\u4fdd\u8a3c\u3092\u53d7\u3051\u3089\u308c\u307e\u3059\u3002\u305d\u3093\u306a\u591a\u984d\u3092\u9280\u884c\u53e3\u5ea7\u306b\u7f6e\u304f\u4eba\u3082\u3042\u307e\u308a\u3044\u306a\u3044\u3067\u3057\u3087\u3046\u304c\u3001\u3055\u3089\u306b\u4ed6\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u3082\u540c\u69d8\u306a\u53e3\u5ea7\u3092\u3064\u304f\u308c\u3070\u3001\u305d\u3061\u3089\u3082\u4e00\u53e3\u5ea7\u306b\u3064\u304d$250,000\u306e\u4fdd\u8a3c\u304c\u53d7\u3051\u3089\u308c\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u592b\u3001\u59bb\u3001\u5927\u5b66\u751f\u306e\u5b50\u3069\u3082\u30fb\u30fb\u306a\u3069\u500b\u4eba\u53e3\u5ea7\u3054\u3068\u306b$250,000<\/li>\n<li>\u592b\u5a66\u30b8\u30e7\u30a4\u30f3\u30c8\u53e3\u5ea7\u306f\u3055\u3089\u306b$250,000\uff58\u4e8c\u4eba\uff1d$500,000<\/li>\n<\/ul>\n<h1>\u30af\u30ec\u30b8\u30c3\u30c8\u30e6\u30cb\u30aa\u30f3\u3092\u5b88\u3063\u3066\u304f\u308c\u308bNUCA<\/h1>\n<p>\u30af\u30ec\u30b8\u30c3\u30c8\u30e6\u30cb\u30aa\u30f3\u306fFDIC\u306b\u306f\u5c5e\u3057\u3066\u3044\u307e\u305b\u3093\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30e6\u30cb\u30aa\u30f3\u306f\u72ec\u81ea\u306e\u7d44\u7e54\u3001National Credit Union Administration\uff08NCUA\uff09\u3092\u3064\u304f\u3063\u3066\u304a\u308aNCUSIF\u3068\u3044\u3046\u57fa\u91d1\u306b\u3088\u3063\u3066\u3001FDIC\u3068\u540c\u3058\u3088\u3046\u306a\u4fdd\u8a3c\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30e6\u30cb\u30aa\u30f3\u306b\u9810\u3051\u305f\u304a\u91d1\u306f\u3001\u9810\u91d1\u3068\u306f\u547c\u3070\u308c\u308b\u30b7\u30a7\u30a2\u3068\u547c\u3070\u308c\u307e\u3059\u304c\u3001NCUA\u306e\u30e1\u30f3\u30d0\u30fc\u3067\u3042\u308b\u30af\u30ec\u30b8\u30c3\u30c8\u30e6\u30cb\u30aa\u30f3\u3067\u3042\u308c\u3070\u3001\u9280\u884c\u53e3\u5ea7\u3068\u540c\u69d8\u306b\u4e00\u4eba$250,000\u3001\u30b8\u30e7\u30a4\u30f3\u30c8\u53e3\u5ea7$500,000\u307e\u3067\u30ab\u30d0\u30fc\u3055\u308c\u307e\u3059\u3002\u3054\u81ea\u5206\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30e6\u30cb\u30aa\u30f3\u304c\u30e1\u30f3\u30d0\u30fc\u304b\u3069\u3046\u304b\u306f<a target=\"_blank\" href=\"http:\/\/mapping.ncua.gov\/ResearchCreditUnion.aspx\" >\u3053\u3061\u3089\u3067\u30c1\u30a7\u30c3\u30af\u3067\u304d\u307e\u3059<\/a>\u3002<\/p>\n<ul>\n<li>\u30b7\u30a7\u30a2\u30fb\u30c9\u30e9\u30d5\u30c8\u53e3\u5ea7\u3000\uff08\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\u76f8\u5f53\uff09<\/li>\n<li>\u30ec\u30ae\u30e5\u30e9\u30fc\u30fb\u30b7\u30a7\u30a2\u53e3\u5ea7\u3000\uff08\u30bb\u30fc\u30d3\u30f3\u30b0\u53e3\u5ea7\u76f8\u5f53\uff09<\/li>\n<li>\u30de\u30cd\u30fc\u30de\u30fc\u30b1\u30c3\u30c8\u53e3\u5ea7<\/li>\n<li>\u30b7\u30a7\u30a2\u30fb\u30b5\u30fc\u30c6\u30a3\u30d5\u30a3\u30b1\u30fc\u30c8\uff08CD\u76f8\u5f53\uff09<\/li>\n<\/ul>\n<h1>\u6295\u8cc7\u53e3\u5ea7\u3092\u5b88\u3063\u3066\u304f\u308c\u308bSIPC<\/h1>\n<p>Securities Investor\u3000Protection Corporation(SIPC)\u306f\u3001FIDC\u306e\u6295\u8cc7\u53e3\u5ea7\u7248\u3067\u3059\u3002\u30a2\u30e1\u30ea\u30ab\u3067\u767b\u9332\u3055\u308c\u305f\u30d6\u30ed\u30fc\u30ab\u30ec\u30c3\u30b8\u6a5f\u95a2\u3067\u3042\u308c\u3070\u3001SPIC\u306e\u30e1\u30f3\u30d0\u30fc\u306b\u306a\u308b\u3053\u3068\u304c\u5f37\u5236\u3055\u308c\u3066\u3044\u307e\u3059\u3002FIDC\u306f\u9650\u5ea6\u984d\u307e\u3067\u306e\u4fdd\u8a3c\u3092\u884c\u3046\u4fdd\u967a\u6a5f\u69cb\u306a\u306e\u306b\u5bfe\u3057\u3001SPIC\u306f\u4fdd\u967a\u3067\u306f\u306a\u304f\u3066\u3001\u6295\u8cc7\u8005\u4fdd\u8b77\u6a5f\u69cb\u3067\u3001\u8ca1\u653f\u7834\u305f\u3093\u306e\u5834\u5408\u306b\u306f\u3001\u3044\u304d\u306a\u308a\u304a\u91d1\u306e\u4fdd\u8a3c\u3092\u884c\u3046\u306e\u3067\u306f\u306a\u304f\u3066\u3001\u6b21\u306e\u3088\u3046\u306a\u6bb5\u968e\u3092\u7d4c\u3066\u696d\u52d9\u6e05\u7b97\u306e\u30d8\u30eb\u30d7\u3092\u3059\u308b\u3068\u3044\u3046\u30a4\u30e1\u30fc\u30b8\u3067\u3059\u3002<\/p>\n<p>\u307e\u305a\u3001\u91d1\u878d\u6a5f\u95a2\u304c\u8ca1\u653f\u96e3\u306b\u9665\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u9867\u5ba2\u3067\u3042\u308b\u6295\u8cc7\u5bb6\u306e\u8cc7\u7523\u3092\u7d4c\u55b6\u4e0a\u306e\u5fc5\u8981\u3092\u6e80\u305f\u3059\u305f\u3081\u306b\u4f7f\u3063\u3066\u306f\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u53b3\u3057\u3044\u30eb\u30fc\u30eb\u3042\u308a\u3001\u9867\u5ba2\u306e\u6295\u8cc7\u8cc7\u7523\u306f\u3053\u306e\u6bb5\u968e\u3067\u3059\u3067\u306b\u5927\u304d\u304f\u5b88\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u3069\u3046\u3057\u3066\u3082\u7d4c\u55b6\u304c\u7acb\u3061\u884c\u304b\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u306f\u3001\u91d1\u878d\u6a5f\u95a2\u306f\u4ed6\u306e\u91d1\u878d\u6a5f\u95a2\u3068\u5408\u4f75\u3057\u3066\u7d4c\u55b6\u3092\u7acb\u3066\u76f4\u3059\u304b\u3001\u3042\u308b\u3044\u306f\u4e8b\u696d\u306e\u4e00\u90e8\u3092\u5207\u308a\u96e2\u3059\u306a\u3069\u3057\u3066\u7d4c\u55b6\u3092\u7d9a\u884c\u3057\u307e\u3059\u3002\u3053\u306e\u5834\u5408\u306f\u3001SIPC\u306e\u51fa\u756a\u306f\u306a\u304f\u3001\u9867\u5ba2\u306e\u8cc7\u7523\u306f\u305d\u306e\u307e\u307e\u7d99\u7d9a\u3055\u308c\u307e\u3059\u3002Bear Stearns \u304cJPMorgan Chase\u306b\u5438\u53ce\u3055\u308c\u305f\u3068\u304d\u3082\u3001SIPC\u306e\u95a2\u4e0e\u306f\u306a\u304f\u3001Bear Stearns\u306e\u9867\u5ba2\u306f\u305d\u306e\u307e\u307eJM Morgan 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IRA\u53e3\u5ea7<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u9280\u884c\u304c\u3064\u3076\u308c\u305f\u3089\u3001\u9810\u3051\u3066\u3044\u305f\u304a\u91d1\u306f\uff1f\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3092\u8cb7\u3063\u305f\u91d1\u878d\u6a5f\u95a2\u304c\u3064\u3076\u308c\u305f\u3089\u3001\u3069\u3046\u306a\u308b\uff1f\u30a2\u30e1\u30ea\u30ab\u306b\u3042\u308b\u7a0b\u5ea6\u4f4f\u3093\u3067\u3044\u3089\u3063\u3057\u3083\u308b\u65b9\u306f\u3001FDIC\u3068\u304bSIPC\u3068\u3044\u3046\u540d\u524d\u3092\u805e\u3044\u305f\u3053\u3068\u304c\u304a\u3042\u308a\u3067\u3057\u3087\u3046\u3002\u91d1\u878d\u6a5f\u95a2\u304c\u8ca1\u653f\u96e3\u306b\u9665\u3063\u3066\u5b58\u7d9a\u304c\u5371\u3046\u304f\u306a\u3063\u305f\u5834\u5408\u306b\u3001\u3069\u3061\u3089\u3082\u6d88\u8cbb\u8005\u306e\u304a\u91d1\u3092\u4fdd\u8b77\u3057\u3066\u304f\u308c\u308b\u56e3\u4f53\u3067\u3059\u3002\u4eca\u65e5\u306f\u3053\u306e\u304a\u8a71\u3002\u9055\u3044\u3092\u5b66\u3093\u3067\u304a\u304d\u307e\u3057\u3087\u3046\u3002 \u9280\u884c\u9810\u91d1\u3092\u5b88\u3063\u3066\u304f\u308c\u308bFDIC The Federal Deposit Insurance Corporation (FDIC)\u306f\u3001\u7834\u305f\u3093\u3057\u305f\u9280\u884c\u306e\u53e3\u5ea7\u306b\u3042\u308b\u304a\u91d1\u3092\u9810\u91d1\u8005\u306b\u5bfe\u3057\u3066\u4fdd\u8a3c\u3059\u308b\u56e3\u4f53\u3067\u3059\u3002FDIC\u304c\u767a\u8db3\u3059\u308b\u524d\u306f\u3001\u9280\u884c\u304c\u7834\u305f\u3093\u3059\u308b\u3068\u3001\u9810\u3051\u3066\u3044\u304f\u304a\u91d1\u306f\u65e9\u3044\u8005\u52dd\u3061\u3067\u9810 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